Guides
The procedure, explained in plain words.
What actually happens when your account is frozen
The chain from someone else's complaint to the block on your account, and why you were never told.
Hold, suspension or seizure — which one is yours
Three different restrictions with three different laws behind them. Knowing yours changes what you ask for.
The official grievance route, step by step
Where to go, who decides, and every deadline the SOP puts on them.
The 90-day rule, stated exactly
It is real, it is conditional, and it is not automatic. Here is what it actually says.
What the courts have said
Judgments you can cite when the whole account is blocked over a small disputed amount.
When the bank froze it on its own
No police notice, no investigating officer. A different route, through the bank and the RBI.
What to take to the branch
The papers that decide whether your grievance is forwarded or sent back.
If you are the person who lost the money
Wapsi does not handle refund claims. Here is the official route and where to go.
When to go to court, and free legal aid
Court is the last step, not the first. What it costs you to skip the record.